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Services for Families


Harty Financial provides individuals and families with innovative, cutting-edge products and services to help them grow, protect and conserve their wealth through all stages in life. Taking into account your needs, goals and tolerance to risk, we will work with you to bring clarity to where you're going and how to get there. Some of our key services are detailed below.

Financial Planning

Qualified Eagle advisors provide personalized financial planning to our clients that is specific to several variables including their income, risk tolerance, values, and family. We work with each client to identify and prioritize their goals, explore options, establish effective strategies, construct and execute a plan, and assess the performance of the plan and make adjustments as needed.

Life Insurance

Many people think that life insurance is only for people with families. While it is true that life insurance can help provide for the needs of dependents, life insurance also can be an important part of a well-thought-out estate, business succession or charitable giving plan. And permanent life insurance offers many living benefits as well, such as tax-deferred cash value accumulation. For all of these reasons, life insurance can be important for someone starting out - or for someone who's starting over.

Whole Life

Whole Life insurance is also known as permanent insurance. You receive coverage for your entire life, as long as premiums (which are a set amount per period) are paid. Whole life policies accumulate cash value tax-deferred.

Term Life

Term Life policies provide coverage for a specific amount of time - such as 5 years, 10 years or 20 years. Term premiums are often less expensive than whole life premiums, but once the term of the policy is complete, coverage terminates. There is no accumulation of cash value.

Universal Life

Like Whole Life, Universal Life is a permanent insurance policy, which means that it covers you for your entire life, as long as premiums are paid. Universal life, however, offers you flexibility that enables you to change your premiums and death benefit as your needs change. This policy will terminate if at any time the cash surrender value is insufficient to pay the monthly deductions. This can happen due to insufficient premium payments, if loans or withdrawals are made, or if current interest rate or charges fluctuate.

Survivorship Life

Survivorship life insurance - available as whole life, universal life or variable universal life - covers two people and provides payment of the proceeds when the second insured individual dies. Survivorship life insurance is often used to help meet estate planning or business continuation goals.

The policy will terminate if at any time the cash surrender value is insufficient to pay the monthly deductions. This can happen due to insufficient premium payments, if loans or withdrawals are made, or if current interest rates or changes fluctuate.

College Savings

As college costs continue to rise, you may be concerned about funding your children's or grandchildren's undergraduate and/or graduate education. Tax-efficient strategies1 exist that can be utilized to systematically save and distribute assets specifically for educational purposes. From simple 529 College Savings Plans2 to more complex solutions, Harty Financial can assist you in ensuring that your loved ones can afford to attend the school of their dreams.

1Neither Harty Financial and its employees nor New York Life Insurance Company or its agents or affiliates provide tax, legal or accounting advice. Please consult your own tax, legal or accounting professional regarding your particular situation.
2Securities offered through NYLIFE Securities LLC, member FINRA/SIPC

Wealth Management and Retirement Planning

We work with our clients to design and implement a variety of accumulation and retirement income plans, offering insurance products, investment programs ranging from separately managed portfolios of stocks and bonds to mutual funds, and access to third-party wealth management programs. We offer a consistent process to help ensure management of investment assets according to your goals, risk tolerances and time horizon. We then monitor your plan on a continual basis, and adjust and evolve as your needs change.

Disability and Extended Care Needs

To execute a sound retirement strategy, asset and income protection are a must. Designing a plan that encompasses managing costs for extended periods of care and disability insurance can help create the necessary balance in a portfolio to ensure stability and protection of assets.

401(k) and IRA Rollovers

When you leave a job or retire, you have a decision to make regarding your 401(k) money. While leaving those assets in the former employer's plan is an option, a rollover can be a consideration. Working with your tax advisor, we can help you determine the right course of action for you. This may include: leaving the funds in your existing plan, if permitted, or rolling them into your new employer's plan, if one is available and rollovers are permitted. Each choice offers advantages and disadvantages, depending on your specific needs and retirement plan, such as the desired investment options and services, applicable fees, expenses, and withdrawal options, as well as required minimum distributions and tax treatment of applicable options.

Estate Planning

A well-engineered estate conservation plan can minimize tax liability and ensure that loved ones are protected. We will work with you and your other advisors to assess the impact of state and federal taxes on your estate and suggest strategies to help minimize those taxes while meeting your personal philosophies and family needs.


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Office: 978.304.4524
Fax: 978.304.4526
info@hartyfinancial.com

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Disclosure

Caleb Harty is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of CA (CA Insurance License #0N07884), CT, FL, IL, MA, MD, ME, NC, and NH. No insurance business may be conducted outside the states referenced.

As a New York Life Agent, Caleb Harty is licensed and authorized to offer insurance in California, but PlanForSecurity.com by HartyFinancial may not be. For additional information on California licensure status, please click here.

Caleb Harty is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 2 Elm Sq Ste 201, Andover, MA, 01810, 978-304-4524. In this regard, this communication is strictly intended for individuals residing in the states of CA, CT, FL, IL, MA, MD, NC, NH, and UT. No offers may be made or accepted from any resident outside the specific states referenced.

Caleb Harty is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of CA, CT, FL, IL, MA, MD, NC, NH, and UT. As such, these services are strictly intended for individuals residing in the states referenced.

Brendan Harty is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of GA, IL, MA, MD, ME, NH, NY, RI, TX, and VA. No insurance business may be conducted outside the states referenced.

Brendan Harty is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 2 Elm Sq Ste 201, Andover, MA, 01810, 978-304-4524. In this regard, this communication is strictly intended for individuals residing in the states of GA, IL, MA, MD, NH, and RI. No offers may be made or accepted from any resident outside the specific states referenced.

Brendan Harty is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of GA, IL, MA, MD, NH, and RI. As such, these services are strictly intended for individuals residing in the states referenced.

PlanForSecurity.com by HartyFinancial is not owned or operated by NYLIFE Securities LLC or its affiliates.?

Neither PlanForSecurity.com by HartyFinancial nor its associates are in the business of offering tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.?

For more information about NYLIFE Securities LLC and its investment professionals.

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Our Location

2 Elm Sq

Suite 201

Andover, MA 01810

Get in Touch

(978) 304-4524
(978) 304-4526
info@hartyfinancial.com
  • About
    • Meet The Team
    • How We Work
    • Who We Work With
  • Expertise
    • Retirement Planning
    • Special Needs Planning
    • Fee-Based Financial Planning
    • Investment Management
  • Learn From Us
    • Retirement Planning Articles
    • Special Needs Planning Articles
    • Newsletters
    • Video Library
  • Contact
  • E-Money Login

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